Studying abroad? Most universities suggest that students have insurance coverage, preferably before students start their studies.
Becoming an international student can be a exciting and frightening experience. However, we will be more than happy to answer your questions regarding coverage, but please remember that the sooner you get coverage, the sooner you are protected against potential incidents.
Student Travel Insurance offers
- Up to $2 million for emergency medical and non-medical coverage for covered
- Available to Canadian students studying abroad or out of province and International students studying within Canada.
Which coverage best meets your needs as an international student studying in Canada?
As an international student studying in Canada you are:
- 65 years of age or less
- Not eligible for a provincial or territorial health insurance plan in Canada
- A student in a recognized Canadian learning institution
We offer two plans, tailored to fit the particular needs of international students.
International Student Emergency Medical Travel Insurance – for emergencies that may occur during your stay in Canada
International Student Health Insurance plan – comparable to a regular government health plan; you can visit a doctor for checkups, but emergencies are also covered.
Below is a summary of each, so you can purchase the plan that best suits you.
|
Coverage |
International Student Emergency Medical Travel Insurance |
International Student Health Insurance |
|
Coverage for: |
Students pursuing short-term studies in Canada |
Students pursuing long-term studies in Canada |
|
Overall limit |
$2 million CAD |
$1 million CAD |
|
Pre-Existing Medical Condition |
Sickness, injury, or medical condition not stable in 90 days before the effective coverage date |
*Sickness or injury in the 90 days prior to effective date: Symptoms appeared; You went to see a physician; You were diagnosed or treated; Medication was prescribed or changed. This does not apply to asthma, diabetes or epilepsy |
|
Coverage for spouse and dependents |
Yes – each person receives their own policy |
Yes – all family members are on one policy |
|
Family Rates |
No |
Yes |
|
When does your coverage come into effect? | ||
|
Purchase before arrival in Canada |
Upon arrival in Canada |
Upon arrival in Canada |
|
Purchase within 30 days of arrival in Canada |
48 hour waiting period for sickness; Injury covered right away |
Upon arrival in Canada |
|
Purchase 31 days or more after arrival in Canada |
7 day waiting period for sickness; Injury covered right away |
30 day waiting period for sickness; Injury covered right away |
|
Benefits | ||
|
Hospitalization, psychiatric, physician, diagnostic services, paramedical services |
Included in overall limit – maximums apply |
Included in overall limit – maximums apply |
|
Prescription Drugs |
When required, as a result of an emergency – maximum 30 day supply |
Up to $10,000 |
|
Maternity |
Up to $1,000 for medical and/or diagnostic services relating to pregnancy or complications thereof (excluding childbirth and voluntary termination of pregnancy). Pregnancy must start after the effective date |
Included if eligibility is met |
|
Eye Exam |
Up to $100 – only on purchase of minimum 180 day policy |
Included |
|
Annual Medical Exam and related tests |
Up to $100 – only on purchase of minimum 180 day policy |
Included |
|
Dental Accident |
$4,000 |
$1,000 |
|
Accidental Death |
$15,000 |
$10,000 |
|
Exclusions | ||
|
Treatment of a critical sickness or injury after the initial medical emergency has ended |
Not Applicable |